It is an application for Android Phones, which gives tactile input to the user. The application, converts the incoming text message into Morse Code. Sensing vibrations of short and long duration to represent dots and dashes, the deaf-blind user is able to read the SMS. Any android keyboard can be used in replying.
Sector
Healthcare
Author(s)
Bapsi.org
Country
India
Website
Read more:
http://www.bapsi.org/pocketsms-for-android
Title
Novartis – SMS for Life
Summary
SMS for Life harnesses everyday technology to improve access to essential malaria medicines in rural areas of developing countries. It uses a combination of mobile phones, SMS messages and electronic mapping technology to track weekly stock levels at public health facilities in order to:
Eliminate stock-outs
Increase access to essential medicines
Reduce the number of deaths from malaria
Every 60 seconds, a child dies of malaria in Africa. Approximately 86% of all deaths from malaria occur in children under the age of five.
A hearing assistance and testing technology that can be incorporated into smart phones. It helps a wide spectrum of people, from those with a small amount of hearing loss to people with severe hearing loss.
Member farmers receive information, order products and services needed to enhance their farming productivity, and sell their harvests at fair market prices. Today, 4 million farmers in 40,000 villages use 6,500 e-Choupals to their advantage, bargaining as virtual buyers’ cooperatives.
Virtual City AgriManagr allows users to manage the weighing, grading and receipting of produce collected from each farmer at the collection point. The system also makes it possible to pay suppliers using cashless transactions, and to track & reward the most loyal customers and suppliers. Thus, Virtual City AgriManagr reduced costs while improving relationships with customers and suppliers.
Links mobile phones to web-based management systems. It enables agri-business, agri-associations and other agri-projects to systematically build polls, and automatically scouts participants for critical field information. The scout technology can be programmed to send or receive text messages from participants in the field in order to track activities and inventories or evaluate crop behavior, dramatically reducing the cost of real-time distribution and recovery of responses from thousands of participants.
Sector
Agriculture, Private
Author(s)
Country
Ghana
Website
Read more:
http://www.esoko.com/about/index.htm
http://www.esoko.com/about/services.htm
Title
mFisheries
Summary
The two main market-related apps in the suite are Got Fish Need Fish (GFNF) and Prices, which together constitute a virtual marketplace. GFNF is an interactive application that links individuals who have fish for sale with those who want to purchase fish. The app displays matches of those selling and buying a particular type of fish and gives the contact details to facilitate the sale. The Prices app displays the most recent prices that different types of fish sold at in two local markets. These prices are gathered each day by the National Agricultural Marketing Development Corporation.
A number of other apps in the mFisheries suite address other key concerns, especially safety at sea. These include a compass, GPS tracking and an SOS alert. In an emergency, the SOS Alert sends pre-defined e-mails and text messages to a number of prescribed recipients and automatically initiates a call to the Trinidad and Tobago coastguard
TCS’ Mobile Agro Advisory System (mKrishi) connects farmers with an ecosystem that empowers them to make sound decisions about agriculture, drive profits and conserve the environment.
Farmers require information on weather, soil, fertilizer and pesticide that are specific to their plot of land. They need information on the type of seeds, crops available in the market and local market prices.
COOPEUMO farmers using DatAgro, can find out information about prices, product prices, the weather, and what’s going on in international markets. The DatAgro project is taking advantage of the high penetration rate of cellphones in Latin America to allow rural farming cooperatives in Latin America, beginning with Chile, to define the types of information most critical to their lives and livelihoods.
Radio Marché (or ‘market radio’), (W4RA- Web Alliance for Regreening in Africa)
Summary
It supports agricultural value chains by delivering market information and simplifying the trading of goods in the region. Radio Marché is based on a combination of cell phone, voice and web technologies, and has been designed to automatically generate voice messages containing market information that can be broadcast over the radio. The project W4RA has been part of VOICES (VOIce-based Community–cEntric mobile Services) which is voice-based web access and its application in agriculture and health.
Mobile devices can ensure food safety and quality, as this system developed by IBM can track food through the supply chain. Under the IBM’s Infoshpere system, foods receive a unique bar code during each stage of production and distribution. Using QR codes, the system identifies farms, slaughterhouses, shipping containers etc. The software also work with manufactures, spinning up risk models and gauging probability, to pinpoint the sources of contamination and to curb the spread of tainted products getting into the hands of shoppers.
The project sought to directly benefit 6000 farmers through the implementation and operation of local agricultural information via the internet. The overall project objective was to provide an advantageous market share to small farmers by managing their production units and their organizations. The project also lets farmers manage irrigation and other problems related to water management.
First Company in the Indian subcontinent to offer a software- based configurable solution that includes image-based clearing of instruments such as demand drafts, interest and dividend warrants in addition to cheques (with and without mediation by the central bank/clearing house), thereby drastically reducing the clearing time.
Financial services to non-banking customers, connects a telecom infrastructure to the bank’s Core Banking System (CBS). Delivering banking services through the mobile phone makes the cost of banking substantially cheaper and thus affordable for a broader population. Provides a platform for universal financial access and low-cost micro-transactions
Sector
Banking Sector, Public- Private
Author(s)
Country
India
Website
Read more:
http://eko.co.in/products
http://eko.co.in/about_us
Title
M-KESHO
Summary
This is a bank account introduced by both Equity and Safaricom where customers can earn interest from as little as Ksh1. Customers can withdraw cash from their Equity Bank Account to their M-PESA accounts and customers can also deposit through their M-PESA accounts to their M-KESHO Bank account. Other features of the account include Micro credit facilities, Micro insurance facilities as well as a personal accident cover that translates into a full cover after 1 year.
Sector
Banking, Private
Author(s)
Country
Kenya
Website
Read more:
http://www.safaricom.co.ke/index.php?id=263
Title
M-Paisa
Summary
Vodafone Essar has agreed a deal with a ICICI Bank in India to allow it to deploy the M-PAISA mobile money transfer service, and so bring basic financial services to millions of customers living in rural areas of India. It enables millions of people who have access to a mobile phone, but do not have or have only limited access to a bank account, to send and receive money, top-up airtime and make bill payments. Customers register for the service at an authorized agent, often this is a small mobile phone store or retailer, and then deposit cash in exchange for electronic money which they can send to their family or friends. Once they have registered all transactions are completed securely by entering a PIN number and both parties receive an SMS confirming the amount that has been transferred. The recipient, receives the electronic money in real-time and then redeems it for cash by visiting an agent.
FINO-Bandhu ( largest branchless banking channel in India )
Summary
FINO has developed an online micro-payment and delivery platform for a unique bouquet of Value-added e-Services to the micro customers, at their door-step through partnerships/tie-ups with various service-providers. Provides following kind of services -
• Mobile Recharge, DTH Recharge ,Railway Ticket Booking /Bus booking ,Insurance Premium Collection ,Utility Bill Payments (Mobile & electricity bills, municipal taxes), SIM card connection selling
Sector
Mobile Payment - Retail, Private
Author(s)
Country
India
Website
Read more:
http://fino.co.in/Retail
http://fino.co.in/Press-Kit
Title
Kiva
Summary
Kiva, is the first online person-to-person microfinance organization. Kiva's work is made possible through an extensive network of microfinance organizations around the world. The borrower meets with the Field Partner and requests a loan. The Field Partner disburses a loan to the borrower. The Field Partner uploads the loan request to Kiva, it's reviewed by a team of volunteer editors and translators and then published on Kiva.org. Kiva lenders fund the loan request, and Kiva sends the funds to the Field Partner. There are more than 500K lenders around the world. The borrower makes repayments. The Field Partner sends funds owed to Kiva. Kiva repays lenders. The lenders can make another loan, donate to Kiva, or withdraw the money to their PayPal account.
Lending through MYC4 is easy and personalized. First you need to create a MYC4 Account and upload money to this account. Secondly, when you have an account with funds to lend, you pick a business to lend to. To see the different Loans that you can choose to lend to, click on LEND in the menu bar and you can view a list of all the Loans that are open for bids. The MYC4 platform is built around a network of local providers screening the businesses who would like to obtain a loan and local administrators handling the financial transactions.
Mobile Money Transfers- Domestic and International Transfers – Send money to anyone, both registered and non – registered users. Receive international transfers directly on your mobile phone. Merchant Payment- Payment for goods and services on premises with possibility for integration to POS and Cash registers. Bill payment – Pay your bills from anywhere with the mobile phone – pay for gas, water, electricity etc. Banks can use the 4M Platform to make their traditional banking products and services available via mobile phone.
Sector
Banking , Private
Author(s)
Country
Denmark
Website
Read more:
http://www.reewire.com/Solutions.aspx
http://www.reewire.com/Home.aspx
Title
Airtel Card
Airtel Africa customers in Kenya will soon be able to use their mobile phone to make online purchases from MasterCard merchants around the world. The simplified online transaction will work in the following way; each time an airtel customer is shopping online he or she will be able to request a single use shopping card number. airtel money services will generate a special 16 digit number that enables the completion of the transaction. On completion of the transaction, a confirmation message will be sent to the consumer’s handset. The single use feature of the airtel 1time Shopping Card provides the consumer with a convenient and secure online shopping experience
POS- is a computerized retail payment systems that replace cash
or human registers. A POS device has a personal computer with barcode readers, optical scanners, and magnetic stripe readers for capturing and recording retail stores’ transactions. They collect sales and payment information electronically only after the beneficiary smart or debit cards are presented and authenticated. Payment information is then passed on to the financial institution for reimbursement purposes. Use of ICT with Business Correspondents network i.e. branch less banking outlets. The Andhra Bank in India is associated with 1,060 villages with a population of more than 2000, already has about 600,000 underserved clients accessing banking facilities through POS devices.
The Text-A-Payment service is an innovative mobile phone banking service that uses SMS technology to allow micro borrowers to make microfinance loan payments. Rural bank clients only need to enroll at their bank branch, register their mobile phone with Globe’s GCASH service, and then easily load their mobile wallet at any GCASH Cash-In center or re-seller. After completing these steps, bank clients can conveniently and remotely send their loan payment to the bank without incurring the time and expense associated with traveling to a rural bank to make a loan payment. The borrower can pay the loan without leaving her/his business.
Sector
Banking, Public
Author(s)
RBAP ( Rural Bankers Association of the Philippines )
UnionBank is facilitating of wage payments to millions of poor daily wage earners under the Government of India's Flagship social programme of Mahatma Gandhi National Rural Employment Guarantee Programme (NREGP) and Social Security Pension (SSP) to aged beneficiaries.
The project encompasses the entire end to end solution from enrolling of the Job-Card Holders to refund of the undistributed amount of fund back to the State exchequer of the concerned State Government. The Bank is not only making the disbursal process faster and possible in difficult terrains but is also minimizing the chances of any embezzlement of funds which are benefiting the government immensely.
On the beneficiaries front, they are not only receiving their wages in full at their doorstep well in time but are also given an opportunity to avail of other banking facilities like deposit, loans and financial guidance.
Alipay helps secure payments and co-operates with leading Chinese banks, as credit card payments in China are not yet widespread. There are more than 4 million users of the service. The company is the leading internet payment service in China.
Sector
Banking
Author(s)
Alibaba Group
Country
China
Website
Read more:
https://www.alipay.com/
Title
SKS Microfinance
Summary
SKS Microfinance deploys a standard MF technology platform, delivering superior value to its customers. The systems designed and deployed at SKS have enabled the business grow rapidly as it allows data highlights to be transferred to the head office accurately and in very short time period.
Sector
Banking- Microfinance
Author(s)
Country
India
Website
Read more :
http://www.sksindia.com/how_we_do.php
http://www.sksindia.com/know_sks.php
Title
BRIZZI Bank BRI
Summary
BRI rechargeable prepaid cards that can be used as a substitute for cash payments and can be recharged. BRIZZI gives advantage to users in the that the transactions can be faster and easier because it does not need to use cash, the most interesting and different from other banks is that BRIZZI can be recharge at all the merchants who accept debit cards.
